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Ford Explorer Insurance Rates

You have many choices when comparing insurance rates on your Ford vehicle. You can get prices from an insurance agent or get quotes online to compare rates from many different auto insurance companies. Shopping for auto insurance through online rate quotes saves time, is easy to do, in addition you may find lower rates.

Comparing auto insurance rates direct online can be complicated if you are a beginner to online rate quotes. But relax because we're going to show you how. Finding a better price on auto insurance can be surprisingly simple. Consumers just need to spend a few minutes to compare quotes online from several insurance companies. This is very easy and can be done by comparing rates here.

Criteria which help determine car insurance premiums

Insurance premiums paid to insure a Ford Explorer will vary greatly and are calculated by many factors. A few of these criteria are:

  • High performance increases premiums
  • Your accident history
  • Whether you insure your home with the same company
  • How you use your vehicle
  • Your age
  • Whether you are married
  • Optional coverages like vehicle replacement
  • Whether or not you have claims
  • Maintaining coverage lowers rates
  • Owning a home can lower rates

One important consideration that will help determine your rates is the age of the vehicle. Newer models have a higher replacement value compared to older Ford models so the costs to repair will push premiums up. But newer models have more advanced features including autonomous braking, automatic crash notification, sideview assist mirrors, and adaptive headlights so those may lower rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Explorer from the following list.

Auto liability - This protects you from injuries or damage you cause to a person or their property by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so buy as much as you can afford.

Collision coverages - Collision coverage pays for damage to your Ford from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive auto coverage - This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage - This coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage - Med pay and PIP coverage kick in for bills like ambulance fees, surgery, and doctor visits. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. PIP coverage is not available in all states and gives slightly broader coverage than med pay.

How Much are Ford Explorer Insurance Rates?